In this article, Robin Sherwood, CFP®, a Connecticut-based Principal at HTG Advisors, explains how dividends, interest, and capital gains are taxed, and walks through the strategies we use to help clients keep more of what...
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This guide, prepared by HTG advisor Sonya Ziolkowski, CFP®, provides a comprehensive overview of Roth conversions and the considerations involved in determining whether one is appropriate for your goals and circumstances. The Roth IRA is...
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Retirement can feel abstract when it’s decades away, and overwhelming when it’s suddenly around the corner. What matters most is knowing which moves to make right now — wherever you are. The best time to...
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Required minimum distributions sound simple — take money out of your retirement account once you reach a certain age. In practice, RMDs are one of the most complicated and costly areas of retirement planning. Once...
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Connecticut is a beautiful, culturally rich state and a sought-after retirement location, but its tax and estate laws make it cost-prohibitive for many retirees. CFP® certificant Allison Donaldson shares what you should consider before deciding...
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Changing jobs is exciting — but it comes with one important financial question most people overlook: what happens to your 401(k)? CFP® certificant Allison Donaldson shares what you should consider before deciding which option is right...
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If you’re 70½ or older and still writing personal checks to charity, you may be leaving a significant tax benefit on the table. A Qualified Charitable Distribution (QCD) lets your IRA do the giving —...
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Should I front-load or max out my 401(k) early in the year? How do I avoid losing my company match? These questions came up recently when my husband prepared for his annual bonus elections in...
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Inherited IRA rules have become increasingly complex with the SECURE Act and SECURE 2.0. New requirements took effect in 2025 that can dramatically impact beneficiaries’ tax situations. Inheriting a retirement account should feel like a...
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Your financial advisor can be one of your most valuable professional relationships—but like any partnership, what you get out of it depends largely on what you put in. At HTG Investment Advisors, we’ve spent over...
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